You have a N-to-1 relationship when an object of a class has an associated object of another class (only one
associated object) and several of this type of object can be linked to the same associated object. From the
other end of the relationship it is effectively a 1-N, but from the point of view of the object in question,
it is N-1. You can create the relationship in 2 ways depending on whether the 2 classes know about each other
(bidirectional), or whether only the "N" side knows about the other class (unidirectional).
These are described below.

For this case you could have 2 classes,
User
and
Account
, as below.
so the
Account
class ("N" side) knows about the
User
class ("1" side), but not
vice-versa, and are using a join table. A particular user could be related to several accounts.
If you define the Meta-Data for these classes as follows

This relationship is described in the guide for
1-N relationships. In particular there are 2 ways to define the
relationship. The first uses a Join Table to hold the
relationship. The second uses a Foreign Key in the "N"
object to hold the relationship. Please refer to the 1-N relationships bidirectional relations since they
show this exact relationship.